Your weekly money saving deals and news from money expert Andy Webb
"The Bank of England will be meeting today and it probably means another hike to the base interest rate. I'll publish an article on the blog and video on YouTube this afternoon with all the details, so keep an eye out." Andy
My top content this week
BLOG, VIDEO & ARTICLES
Mid-December 2022’s savings round-up & news
Following last week's base rate increase there have been a handful of hikes on easy and limited access accounts to as much as 3.25%, so I've made an bonus round-up of what's been going on!
Interest rate at 3.5%: what does the rise mean for you?
The base rate is up again! It's now at 3.5%, following the ninth consecutive increase by the Bank of England. Find out what it means for your mortgage and savings, as well as the latest predictions on future rises and the inflation rate in 2023.
Should you regift an unwanted present?
Hopefully every present you get on Sunday will be perfect. But chances are they won't. It might be a duplicate, not to your taste or just the wrong size. So what can you do about these unwanted presents? If you're tempted to regift, make sure you follow these steps!
How to pay in a cheque online with your phone
There are actually quite a few banks that'll let you deposit a cheque with your phone. Find out which ones do (and which don't), and how to find the feature in your app.
CASH CHATS PODCAST
298 | Interest rate hiked to 3.5%, unwanted presents & apps that pay in cheques
In the latest episode of the pod I’m talking about:
- The impact on savings and mortgages of the latest Bank of England base rate rise
- What to do with unwanted presents
- Which banks let you pay in cheques with your phone
- And more!
You can listen to episodes via all the normal podcasting apps or over on the blog.
If you do listen on one of these apps, please do remember to hit follow so you get each episode as soon as it's released.
YOUR QUESTIONS
Ask Andy #61: Your money questions answered
My live Q&As are the best place to ask me your questions and you can catch up on last night's here, along with answers to some others you've sent in.
This was the last one for 2022, but I'll be back in January with another. Make sure you follow me on YouTube or Instagram to join in. The earlier you ask your question the more likely I'll have time to answer it.
Ask a question in the Facebook group
Or, join the Facebook community to ask your questions and share your money experiences and ideas. There are 2,800 of us in there so far!
THIS WEEK'S TOP DEALS
I only share deals and special offers on the blog which I think are really good value. Click the titles or links for more information.
I'll also share a quick update on Instagram on Saturday morning.
1. Streaming: All the best deals
Seeing as it's Christmas, there's a good chance you'll be spending some time in front of the TV. And if you want to try out a new streaming service, then there are trials and offers to keep the costs down. Some of the latest offers include:
- Prime Video for £5.99 (Perfect for Boxing Day football)
- Three months free Mubi (Lots of world and cult movies)
- 15% off Disney+ via Amex (Family classics)
- Three months free Apple TV+ (Critically acclaimed boxsets)
- £20 a month Sky Sports on NOW (New year sport)
- Free Netflix via EE (A massive amount of content)
2. Buses: £2 journeys from January
A new government subsidised offer will mean many UK buses are just £2 a trip from January until the end of March. More here.
3. Gift cards: 10% off Asda, John Lewis & more via Monese
There's a chance all the codes will have expired by the time you read this, but it's worth a look. Monese customers can get 10% off £50, £100, £200 and £400 vouchers than can be exchanged at dozens of retailers . More here.
4. Kindle: £5 credit when you spend £15
Amazon is running an offer for those buying Kindle books. More here.
5. Wine: Mixed Six discount at Majestic
If you're looking to nab some wine for Christmas and New Year's, then Majestic offers discounts between 20% and 50% on all bottles when you buy a least six. More here.
6. Odeon: 35% off Limitless
A decent saving if you're going a couple of times a month to an Odeon. Pay £110 for a year, or £125 in London. More here.
SAVINGS, BANKING & CREDIT CARD BEST BUYS
Banks
HSBC bank switch offer: up to £250 ends today
The £200 HSBC switch offer is being pulled today, so if you're keen to take advantage then don't delay. Remember you can get another £40 via Quidco, and another £10 on top if you've not used Quidco before.
Top banking switch and welcome offers:
- First Direct switch: £175 bonus
- HSBC switch: Up to £250 cash bonus
- Monzo welcome: Free £5 offer
- Monese welcome: Up to £30 offer
- Tide business welcome: £75 cash bonus
Top banking best buys:
- Top reward account: £5 a month from Halifax
- Top cashback on bills: Up to 1% back with Santander Edge
- Top cashback on spending: 1% back with Chase
- Top ethical bank: £60 voucher or donation via Triodos
Savings
Top savings best buys:
- Top regular saver: 7% with First Direct
- Top current account linked interest: 5.12% with Barclays
- Top easy access account: 3% with Chip
- Top 1-year fixed account: 4.33% with Habib Bank Zurich
Credit cards
Top cashback credit card best buys:
- Top welcome bonus: American Express Preferred Rewards Gold (20,000 points = up to £167)
- 0% purchase welcome: £20 bonus and £19 cashback
- Top non-Amex cashback: Barclaycard Avios
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MORE DEALS!
Here are a few ongoing and recent offers you might have missed:
Cashback offers
- JamDoughnut: £4.50 welcome offer
- Cashback: Up to £91 for free
Shopping vouchers and other deals
- Amazon: Up to £10 off for some
- Snoop: Free £5 Amazon voucher
- Flowers: £10 off Bloom & Wild
- LNER: Free £5 train travel credit
- NUS card: Alumni card trick
- Birthday freebies: Food, drink and vouchers
Entertainment deals
- Spotify: Including 12 months for the price of 10
- NOW TV: 40% off passes
- Apple TV+: Up to 11 months free
- Odeon: Free weekly ticket
- Vue: Free ticket and movie rental
- Disney+: Save £2 a month
- Ethical Consumer: Free issue of the magazine
Food and drink offers
- Tesco Clubcard Plus: One-month free trial
- Tastecard: 60-day free trial
- Ocado: £20 off your first order
- Gousto & Hello Fresh: More than 90% off your first boxes
- Pringles: Free pack
- GreenJinn: £1 welcome credit
- Greene King: Free pint or spirit & mixer
- Deliveroo Plus: Free year via Prime
- Brewdog: £150 bar credit for £99
- McDonald's & Burger King: Freebies from loyalty schemes
- Caffe Nero: 25% off drinks and pastries
- Aperol: Two cocktails for £5
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Recent content you might have missed
I know it can be tricky to read, watch and listen to everything I create each week, so here are some articles, videos and podcasts from the last few weeks you might have missed.
- Drip feed savings hack: Is it worth it?
- Why you’re paying too much for medication
- Premium Bond prize rate increases to 3%
- Halifax Reward £360 a year hack
- Gift cards: Should you ever use or buy them?
- Natwest 5.12% Digital Regular Saver review – is it worth it?
- Current account news, including £175 Halifax switch
- Changed your mind? Your refund rights
- Santander Edge review: Earn 4% interest and 1% cashback
- Where to price match and save cash
- The problems with Buy Now, Pay Later
- How to improve your credit score
- The best price comparison sites for your shopping
- Regular savings accounts explained: Are they worth it?
- Avios to Nectar swap range cut
- More than books: 9 ways your library can save you money
- Credit card stoozing: Earn interest from 0% borrowing
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